1. Which bank is better for credit card loans? Which one is better to apply for?

Which bank is better for credit cards? Which one is better to apply for? 1. Industrial and Commercial Bank of China’s online banking is the most powerful. U-shield users have no limit on single transactions, and the above platforms also support it. It's not easy to get approved for an ICBC credit card (when I went to apply, the salary card must be from ICBC, and I can't apply for a card with a card), but if you use it well, there are many ones with high credit limits. Moreover, there is no handling fee for cash withdrawals with ICBC credit cards (in the same city), and the installment handling fee is the lowest. Relatively speaking, it is very worth having. The advantages are as mentioned above. It is good for customers with assets, and the risk control is not very strict. In particular, the MasterCard Platinum Card is very good and worth introducing. Temporary quotas are not easy to approve. 2. Bank of Communications: Bank of Communications has many activities, and the most popular Friday activity is the top-up at designated supermarkets or PetroChina every Friday. 5 card swiping points will be returned, 10 for platinum cards, and free for platinum supplementary cards. However, risk control is strict, and the temporary quota lasts for a long time. The temporary quota lasts for 3 months. Generally, you will get a fixed quota after the approval. 3. Minsheng Bank Minsheng Bank has a good reputation. If you buy a motorhome, you can basically get a card with a limit starting from 50,000. It supports card application, and platinum cards from other banks that have been held for more than 6 months are sufficient. Temporary quotas are easy to approve. 4. Bank of China Bank of China does not trust assets but deposits. If you have money, you can still place a large-value card. Moreover, among commercial banks that use cards to apply for cards, the Bank of China card is a relatively high-quality card and is worth owning. 5. China Merchants Bank CMB cards are not suitable for online payment, and the limit is generally not very high, but the service is good, there are many activities, and it is easy to get cards. There are many types of cards, the temporary limit is easy to get, and the CMB debit card is also very powerful. This is also a relatively high-quality card among the cards. 6. Everbright Bank has two main advantages. Almost all purchases have points and the limit increases quickly. In addition, you can apply for other card types according to your own preferences. There are also some city commercial banks, such as Bank of Beijing, Shanghai Bank, Baoshang Bank, Hangzhou Bank, etc., which may be very powerful if you apply based on the actual situation of each place. In general, China Merchants Bank’s card application threshold is low, and temporary quotas are easy to approve. Minsheng's credit limit is relatively large. The rest of them have specific introductions, so I won’t introduce them!

2. Which bank has the best credit card application limit?

Generally, state-owned banks have lower credit limits than commercial banks, but it also depends on the individual's qualifications.

3. Bank loans or credit cards, which is more serious overdue?

Strictly speaking, the consequences of overdue loans and credit cards are equally serious, so it is best to repay them both at the same time, but if you really can’t, you can consider and decide from these aspects. Which one to pay first:

1. Consider it from the perspective of emergency

Detailed analysis of the situation. From the perspective of emergency, overdue loans from banks will be included in the personal credit system. It affects personal credit reports; and some lending platforms will not include personal credit reports from loan to loan repayment.

Therefore, if friends who pay more attention to personal credit reports have difficulties in getting loans or overdue credit cards, we suggest that you contact us. After verifying the situation, the bank may consider its own property losses and negotiate.

If it is a small loan company or private lending company, if you repay overdue, you will receive a reminder call and ignore it. Like banks, borrowers must maintain communication with collection staff and explain their good willingness to repay the loan, so that they will not think that you are missing or running away, thereby disturbing your normal life. We can collect collection through legal channels .

2. From a cost perspective

From a cost perspective, under normal circumstances, the money from the lending platform should be repaid first. Since loan interest rates on lending platforms are slightly higher than those of banks, this means that the longer your loan is overdue, the higher the loan interest rates will be.

Secondly, the interest rate for repaying bank loans is at a low level in the industry. However, due to its large total amount, for large monthly loan repayments, banks will deduct overdue interest based on the amount and time for overdue loans. , from

Finally, bank credit card interest rates are lower than those on lending platforms, and credit cards have two repayment options: minimum repayment amount and full repayment. Borrowers can choose based on their loan repayment ability and You need to choose different repayment amounts and pay them back in a timely manner.

If you borrow, you only need to repay the principal and interest within the 36 stipulated by law, and you do not need to repay the excess.

3. Consider the consequences

Overdue interest and personal credit report are only the result of overdue loans. If the main reason for overdue loans is that they have too many loans and are unable to repay them, it means that they are unable to repay them. If your financial management ability is too poor, you will take multiple loans and cannot make ends meet, which will lead to overdue loans, credit cards or online loans, which will have serious consequences, ranging from affecting your personal credit and being fined, to being involved in lawsuits and being restricted in every aspect.

Finally, I suggest that if you apply for a loan, try not to use a credit card. Unless you have sufficient repayment ability, this approach will only make you sink deeper.